We know that understanding insurance benefits or obtaining necessary authorizations to begin treatment can be very confusing. To minimize financial anxiety, it is important to understand the processes that are required by your insurance plan. If you are an HMO medical group patient, you must have an authorization from either your Primary Care Physician or your Ob/Gyn before you are able to see one of our physicians. Once you are an established patient, you will contact NCFMC to initiate the process for all treatment authorizations.

The following are current insurance plans contracted with Northern California Fertility Medical Center:

• Aetna Center of Excellence
  • (We are not participating in the Aetna Premier Care Network (APCN) as of September 2022)
• Blue Cross PPO/HMO Blue Distinction Centers for Fertility Care
• Blue Shield PPO/HMO Blue Distinction Centers for Fertility Care
• Cigna PPO/HMO Center of Excellence
• Hill Physicians Medical Group
• Optum Fertility Solutions Center of Excellence
• Sutter Medical Groups (Sutter Medical Group, Sutter Independent)
• Sutter Physicians Alliance
• Sutter Select EPO and PPO
• TriWest Alliance
• UC Davis Health HMOs
  • Anthem Blue Cross California Care
  • Blue Shield
  • CIGNA
  • United Health Care
  • Western Health Advantage (WHA)
• UC Davis Medical Group
• United Healthcare
• United Resource Network/Optum Health (Center of Excellence)
• Western Health Advantage through Hill Physicians

Employer Sponsored Fertility Benefits

• Carrot
• Progyny
• WinFertility

Kaiser IVF

Kaiser insurance patients are generally out of pocket pay (as it is through Kaiser Permanente Center for Reproductive Health). NCFMC IVF prices are lower often saving thousands of dollars. Some of your basic testing may be completed at Kaiser and will be covered depending on your plan. We also have package discounts on medications. Learn about Kaiser IVF benefits at NCFMC here.

Get to know your insurance plan

For ALL future patients, be your own insurance advocate. Get to know your insurance plan. Obtain a copy of your evidence of coverage booklet that has a detailed listing of included/excluded benefits. Take the time to read your policy. It is better to know what your insurance company will pay before you receive a service, have testing, or fill a prescription. Determine your exclusions for coverage.

“Infertility services excluded” means that you do not have coverage for diagnostic procedures/testing or treatment. If you still have questions about your coverage, call your insurance company and ask a representative to explain it.

NCFMC also offers several different financing options for our patients.